Cigna Civil Servants Medical Insurance Scheme

Recorded features: Scheme combines medical and critical illness products; ages, currency, premiums, terms and exclusions vary by underlying product.Public source · Checked: 21 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, the basic policy provides hospitalisation protection with optional outpatient and pharmacy benefits.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, annual benefit limits are HK$30 million for Asia and HK$50 million for either worldwide option, subject to deductibles and benefit conditions.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, premiums are payable annually or monthly in HKD and increase with age.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, the insurer may revise standard premiums at renewal/anniversary based on its pricing factors and claims/expense experience.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, lifetime renewal is guaranteed while the insurer continues issuing the plan and required premiums are paid.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, pregnancy complications have 1 year, HIV/AIDS treatment 5 years and palliative care 2 years waiting periods.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, pre-existing conditions are excluded unless fully disclosed and accepted without exclusion; non-medically-necessary services are excluded.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, cancellation after cooling-off requires at least 30 days notice using the insurer form, with no refund and possible premium charges through the policy-year end.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, the cooling-off period is 30 days following delivery of the policy or notice, whichever is earlier. Signed cancellation must reach the insurer; no refund if a benefit is paid, payable or pending.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, outpatient and other optional insurance benefits can supplement the basic hospitalisation policy.Public source · Checked: 15 Oct 2026

Insurer claims guide

Under the scheme’s HealthFirst Elite 360 option, a completed claim form is due within 30 days after discharge or, for non-confinement, the medical-service date.Public source · Checked: 15 Oct 2026

Under the scheme’s HealthFirst Elite 360 option, US residence is defined using 185 days in 365 days; US- incurred payable benefits are reduced to 60% where the insured is resident there.Public source · Checked: 15 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026